Daam Sakane 2026: Direct Housing Assistance Program in Morocco — Registration and Key Details
The year 2024 marked a historic turning point for real estate in Morocco with the launch of the Daam Sakane program, a direct state aid for first-time home buyers. Two years after its rollout, the results are clear: over 205,000 applications filed and more than 100,000 households successfully benefited. In 2026, the program enters an acceleration phase featuring important new rules that applicants need to know.
The launch of the Daam Sakane program in January 2024 stands as a major shift in Moroccan real estate, offering direct financial aid for property acquisition.
What is Daam Sakane?
Launched on October 17, 2023, under the patronage of His Majesty King Mohammed VI and operational since January 2024, Daam Sakane (دعم السكن) is the official direct housing assistance program of the Moroccan State. It grants a non-refundable subsidy of up to 100,000 dirhams to any eligible Moroccan citizen wishing to purchase their first home.
Unlike previous schemes that indirectly subsidized developers, Daam Sakane helps the buyer directly: the amount is paid at the time the notary deed is signed, with no debt or repayment required.
Program Objectives and Scope
Running from 2024 to 2028, Daam Sakane pursues several objectives:
- Significantly reduce Morocco's structural housing deficit.
- Finalize the "Cities Without Slums" (Villes sans Bidonvilles) program.
- Facilitate property access for low-income households and the middle class.
- Stimulate the construction sector and create jobs.
- Include both Moroccans living in Morocco and Moroccans Residing Abroad (MREs).
Eligibility Criteria
To benefit from the program, applicants must meet all the following conditions:
- Be of Moroccan nationality (residents in Morocco or MREs).
- Not own any residential property in Morocco.
- Have never received any government housing aid before.
- Buy a new property (first-time sale, with a habitation permit issued after January 1, 2023).
- Use the property as their primary residence.
- Commit to occupying the housing unit for at least 5 years.
⚠️ 2026 Update — Important Rule: The 2026 Finance Act has formalized and tightened the occupancy requirement. Any resale before 5 years of actual occupancy as a primary residence creates an obligation to fully repay the subsidy amount received. To lift the mortgage lien, the beneficiary must provide an ID card showing the property's address, the sales contract, and the municipal service tax receipts.
Financial Aid Amounts
The subsidy amount depends on the price of the property:
- Property price below 300,000 MAD — social and economic housing ==> 100,000 MAD in state aid.
- Property price between 300,001 and 700,000 MAD — middle-class housing ==> 70,000 MAD in state aid.
- Property price above 700,000 MAD ==> No state aid.
The aid can be combined with a bank mortgage: it is deducted from the principal amount borrowed, which directly lowers monthly mortgage payments.
💡 Good to know: Under an agreement signed with the National Order of Notaries, notary fees are capped at 2,500 DH (including tax), compared to the usual 6,000 DH, for transactions carried out under the Daam Sakane program.
How to Register for Daam Sakane?
Registration is entirely online via the official platform. Here are the steps:
Verify eligibility on daamsakane.ma.
Create an account and submit the application file with supporting documents (ID card, preliminary sales agreement, proof of income, etc.).
Choose an eligible property from an approved developer.
Track the application progress through the personal dashboard on the platform.
Receive the decision notification from the CNRA (average timeframe: 2 to 3 months).
Sign the notary deed — the subsidy is paid out directly at this stage.
The program is managed by the National Pension and Insurance Fund (CNRA), under the supervision of the Caisse de Dépôt et de Gestion (CDG).
💡 To browse new real estate projects eligible for Daam Sakane, visit the dedicated section on Agenz: "New projects eligible for direct housing assistance."
Daam Sakane in 2026: The Acceleration Phase
2026 marks a milestone in the program's evolution:
- Official Occupancy Rules: The 5-year primary residence obligation is now legally enforced by the 2026 Finance Act, with strict monitoring guidelines.
- Expansion to Secondary Cities: Small and medium-sized developers are launching projects in mid-sized cities, where demand is high and the market is less saturated.
- Limited Supply in Major Cities: In Casablanca, Rabat, and Marrakech, eligible properties remain scarce, and some developers have increased their prices in response to heavy demand.
- RSU Registration Recommended: Enrolling in the Unified Social Register (RSU) can smooth the approval process for Daam Sakane and other social welfare programs.
Economic and Social Impacts
Beyond expanding homeownership, Daam Sakane generates measurable positive effects:
- 30 billion MAD in real estate value mobilized since launch.
- A 10% increase in building permits nationwide.
- A 12% growth in cement consumption.
- Over 19,000 jobs created in the construction sector.
- 67.3% of purchased homes are located near public facilities and services.
- 46% of buyers now live less than 20 minutes away from their workplace.
Frequently Asked Questions (FAQ)
- Can Daam Sakane be combined with a bank loan? Yes. The subsidy reduces the principal borrowed, directly lowering monthly payments.
- How long does it take to process an application? On average, 2 to 3 months. Tracking is done directly through your personal space on daamsakane.ma.
- Are MREs (Moroccans abroad) eligible? Yes. Moroccans living abroad account for about 24% of current beneficiaries.
- What happens if I sell the property before 5 years? Under the 2026 Finance Act, you will have to fully repay the subsidy received and clear any applicable taxes.
- Does the property have to be brand new? Yes. Only new properties on their first sale, with a habitation permit issued after January 1, 2023, are eligible. The secondary (used) market is excluded.
- How do I contact Daam Sakane? By phone at +212 5 37 66 90 00 or via daamsakane.ma.
Practical Tips Before You Start
- Verify your eligibility before signing any paperwork.
- Check eligible projects on Agenz to compare available offers.
- Hire an experienced notary — fees are capped at 2,500 DH (incl. tax) under this framework.
- Calculate all side costs (bank fees, HOA/co-property fees, municipal service tax).
- Confirm that the developer is officially approved in the program before committing.
- Register for the RSU if you haven't already done so.
Conclusion
Daam Sakane is delivering on its promises. Two years after its launch, more than 100,000 Moroccan households have become homeowners through this program, with a satisfaction rate close to 70%. In 2026, the acceleration phase and the strengthened legal framework confirm the government's ambition to fully meet its 2028 targets.
It remains a practical and accessible opportunity, especially for first-time buyers and the middle class — provided they fully understand the new rules, particularly the 5-year occupancy obligation now written into law.
Find the property of your dreams among our verified listings and take advantage of the Daam Sakane 2024 program to access property ownership with financial assistance adapted to your budget.
